You could get you up to $4,000

With a TSB home loan, you could get up to $4,000 (calculated based on 0.70% of your total home loan amount). So how much could you be eligible for?

If you borrow You could qualify for a cash incentive of
$100,000 $700
$200,000 $1,400
$300,000 $2,100
$400,000 $2,800
$500,000 $3,500
$600,000 $4,000
$700,000 $4,000


Start the home
loan process


Get in touch

Please enter your first name.
Please enter your surname.
Please enter your number.
Existing customer
Please provide any further information that may be relevant.



What happens next

  • We'll be in touch for more information

    We’ll give you a call or email to chat through your enquiry. If you're wanting to take out a new home loan, we’ll have some initial questions to ask you so we can begin to understand your individual situation. These questions may cover:

    • How many people are borrowing

    • What your income is

    • What savings you have

    • If you have any other loans or debt

    • If you have any dependents

    Once we have all the details and believe we can assist you with a home loan, we’ll set up a time to meet with you. You can meet us in-branch, our Mobile Mortgage Manager can visit you wherever suits, or if you’re not nearby we can complete everything over the phone and/or email.

  • Complete application

    Next, we'll ask you to complete an application form. If you’re keen to get a head start on the process now, below is the additional information you’ll need to provide in order for us to assess your loan application:

    Proof of identity

    • Photo Identification, such as a Driver’s License or Passport
    • Copy of a utilities bill or rates notice no older than three months (with individual or both names) or a bank statement no older than 12 months, to confirm your physical address

    Evidence of your income
    (if your wages aren't deposited directly into a TSB account)

    • Three months of bank statements and your three most recent pay slips, or;
    • If you're self employed, updated financial statements for the last two years

    Existing outgoings

    • Three months of statements for any non-TSB accounts, credit cards, hire purchases, personal loan or home loan facilities and any other Short Term Commitment(s)
  • Get pre-approval

    As soon as we have all the information and signed forms, we’ll submit your application for pre-approval. This process will take up to two business days.

    A pre-approval gives you confirmation that you’re approved up to a certain sum of money, based on certain conditions. We’ll determine what you can borrow based on all the information you provide.

    Please note: Our home loan applications are assessed on an individual basis, so some may take longer than two days to go through approval. We’ll keep you informed every step along the way so you know what to expect.




Your digital branch

Visit your digital branch to join TSB online, open an account or book a video call with a lending specialist. It's a new way of banking, making it easier to manage your money, chat to us and open accounts — from anywhere in NZ.




woman on laptop using TSB Virtual Bank




  • Don't forget to read this bit

    Cash Offer Terms and Conditions

    Until 31 July 2021, a cash incentive of 0.70% of the new lending amount, up to a maximum of $4,000 could be available. Cash incentive only applies to the purchase, refinance from another lender or building, of residential properties, excluding bridging loans, and is paid at the time of loan settlement. Minimum new borrowings of $100,000 applies. Penalties apply for loans repaid within 48 months of drawdown. If repayment happens within the first 24 months of drawdown, 100% of the value of the incentive will be repayable to the Bank. If repayment takes place between 25-48 months of drawdown, 50% of the value of the incentive is repayable. You must have accepted a letter of offer for a qualifying loan and loan contracts generated on or before 31 July 2021. Loans must be drawn down within 60 days of loan contracts being issued. TSB’s standard lending criteria, terms and conditions and fees apply.

    General Lending Terms and Conditions

    Additional margins may apply for bridging loans and buyers with less than 20% deposit. Residential loans with less than a 20% deposit are subject to availability of funds. All interest rates are subject to change without notification. Fixed loan prepayment interest may apply on fixed rate loans. Different lending criteria applies for residential investment, business, commercial and rural loans. Standard lending terms and conditions and fees apply. See for details. All offers can be changed or withdrawn at any time without notice. You’ll find a Disclosure Statement at one of our branches or

    $10,000 Cash Prize Draw Terms and Conditions

    1. The competition promoter is TSB Bank Ltd (“TSB”).
    2. The prize draw promotion (“Promotion”) starts at 9:00am NZST on Monday 14 June 2021 and ends at 11:59pm NZST on Saturday 31 July 2021.
    3. From 14 June 2021 to 31 July 2021, anyone who takes out a TSB home loan and enters the Promotion will be in the draw to win 1 of 3 $10,000 cash prizes.
    4. There are three $10,000 cash prizes to be won.
    5. To enter the Promotion, an entrant:
      • must accept a letter of offer for a qualifying loan and loan contracts must be generated on or before 31 July 2021;
      • must successfully register their details for entry into the draw between 9:00am NZST on Monday 14 June 2021 and 11:59pm NZST on Saturday 31 July 2021 inclusive (“Promotion Period”) at
    6. Entry is open to New Zealand residents aged 18 and over at the time of entry.
    7. TSB Employees and other related persons are ineligible for the draw. For a full list of excluded parties please refer to TSB’s General Banking Information.
    8. Entries by non-eligible entrants will not be considered.
    9. Entry is limited to one entry per eligible entrant meeting the criteria above. Additional entries will not be considered.
    10. The prizes will be drawn on 7 August 2021 and winners will be announced on the TSB Facebook page at a later date. TSB will make reasonable endeavours to contact the winners of the prize draw. If a winner cannot be contacted by TSB within 5 working days of the prize draw, their prize will be forfeited, and a new winner will be drawn.
    11. TSB’s decisions on all matters relating to the Promotion will be final and no further correspondence will be entered into by TSB.
    12. The Promotion is not in any way sponsored, endorsed or administered by, or associated with Facebook.
    13. TSB reserves the right to suspend or terminate a prize draw, amend these Terms and Conditions (including the period and entry criteria for the Promotion) or withdraw a prize draw at any time, in its absolute discretion.
    14. By participating, each entrant grants TSB permission to use their name in connection with the Promotion and to use their personal details for future promotion and marketing purposes in accordance with TSB’s Privacy Notice, which can be found here.
    15. Any personal information supplied will be dealt with in accordance with the Privacy Act 2020 and TSB’s Privacy Notice and standard information security requirements.